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🏦 Zuma Loans

Your Zuma activity is your credit history. Instant loans from the Zuma Escrow pool, marketplace loans from verified lenders in Nigeria — repaid automatically from your wallet.

FinanceLoansLendersWallet

⚡ Zuma Escrow Nigeria Zuma Escrow pool · pool NGN 60,077,520

The Zuma-operated lending pool for Nigeria. Instant, score-based loans repaid from your Zuma Pay wallet.

Zuma Instant · 6.0% /month · up to 360,470Zuma Business Boost · 4.5% /month · up to 1,201,550Zuma School Fees · 3.5% /month · up to 720,930
Microfinance

Biashara Working Capital

Lagos Microfinance · Lagos · ★ 4.6
3.0% /month
NGN 60,080 – 6,007,750 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Kano Microfinance · Kano · ★ 4.4
3.0% /month
NGN 60,080 – 6,007,750 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Ibadan Microfinance · Ibadan · ★ 4.6
3.0% /month
NGN 60,080 – 6,007,750 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Port Harcourt Microfinance · Port Harcourt · ★ 4.8
3.0% /month
NGN 60,080 – 6,007,750 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Benin City Microfinance · Benin City · ★ 3.9
3.0% /month
NGN 60,080 – 6,007,750 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Kaduna Microfinance · Kaduna · ★ 4.7
3.0% /month
NGN 60,080 – 6,007,750 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Biashara Working Capital

Enugu Microfinance · Enugu · ★ 4.2
3.0% /month
NGN 60,080 – 6,007,750 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
Microfinance

Salary Advance

Abuja Microfinance · Abuja · ★ 4.0
5.0% flat
NGN 12,020 – 600,780 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 240,310Apply
Microfinance

Salary Advance

Lagos Microfinance · Lagos · ★ 4.6
5.0% flat
NGN 12,020 – 600,780 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 240,310Apply
Microfinance

Salary Advance

Kano Microfinance · Kano · ★ 4.4
5.0% flat
NGN 12,020 – 600,780 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 240,310Apply
Microfinance

Salary Advance

Ibadan Microfinance · Ibadan · ★ 4.6
5.0% flat
NGN 12,020 – 600,780 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 240,310Apply
Microfinance

Salary Advance

Port Harcourt Microfinance · Port Harcourt · ★ 4.8
5.0% flat
NGN 12,020 – 600,780 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 240,310Apply
Microfinance

Salary Advance

Benin City Microfinance · Benin City · ★ 3.9
5.0% flat
NGN 12,020 – 600,780 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 240,310Apply
Microfinance

Salary Advance

Kaduna Microfinance · Kaduna · ★ 4.7
5.0% flat
NGN 12,020 – 600,780 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 240,310Apply
Microfinance

Salary Advance

Enugu Microfinance · Enugu · ★ 4.2
5.0% flat
NGN 12,020 – 600,780 · 7–30 days · fee 0.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 240,310Apply
1 · ScoreWallet activity, repayment history, account age and verification build your Zuma score (300–900).
2 · ApplyPick a product, choose amount, tenure and installments; confirm with your PIN.
3 · DisburseEscrow loans within limits are instant; lenders decide in their console. Funds land in your wallet.
4 · RepayInstallments auto-collect from your wallet on due dates; late fees and defaults are transparent.